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Compare Savings vs. CDs - July 2025

Long-Term Analysis of Umbrella Bank, a division of Beal Bank with 4.85% APY and Monesty, a division of American Commerce Bank of Georgia with 5.22% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

ONLINE CD

Umbrella Bank, a division of Beal Bank

4.85%

$50,000

12 Month

Online Bank

8.79x (National Avg. - 0.55%)

$1,000

SCENARIO

Year	Rate 4.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,425	1,698
2	52,425	2,543	1,780
3	54,968	2,666	1,866
4	57,634	2,795	1,957
5	60,429	2,931	2,052
6	63,360	3,073	2,151
7	66,433	3,222	2,255
8	69,654	3,378	2,365
9	73,033	3,542	2,479
10	76,575	3,714	2,600
11	80,289	3,894	2,726
12	84,183	4,083	2,858
13	88,266	4,281	2,997
14	92,546	4,489	3,142
15	97,035	4,706	3,294
16	101,741	4,934	3,454
17	106,676	5,174	3,622
18	111,849	5,425	3,797
19	117,274	5,688	3,981
20	122,962	5,964	4,175
	TOTAL	$78,925	$55,248

ONLINE CD

Monesty, a division of American Commerce Bank of Georgia

5.22%

$50,000

12 Month

Online Bank

9.46x (National Avg. - 0.55%)

$500

SCENARIO

Year	Rate 5.22%	Annual Interest	Annual Interest (After Tax)
1	50,000	2,610	1,827
2	52,610	2,746	1,922
3	55,356	2,890	2,023
4	58,246	3,040	2,128
5	61,286	3,199	2,239
6	64,485	3,366	2,356
7	67,852	3,542	2,479
8	71,393	3,727	2,609
9	75,120	3,921	2,745
10	79,041	4,126	2,888
11	83,167	4,341	3,039
12	87,509	4,568	3,198
13	92,077	4,806	3,364
14	96,883	5,057	3,540
15	101,940	5,321	3,725
16	107,262	5,599	3,919
17	112,861	5,891	4,124
18	118,752	6,199	4,339
19	124,951	6,522	4,566
20	131,473	6,863	4,804
	TOTAL	$88,336	$61,835

All calculations are for demonstration purposes only.

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